Comprehensive Medical Aid Plan – 5 Plans Compared

Comprehensive Medical Aid Plan – 2021 Comparisons

Comprehensive Medical Aid Plan: Offers unlimited hospital cover and Comprehensive Medical Aid Plan benefits.  In new generation plans, initial claims will be funded from a medical savings account.  Thereafter when all accumulated day-to-day claims reach a specified threshold, another risk benefit kicks in and continues to pay claims until the end of the year.

Traditional options have generous amounts of day-to-day cover for all the different medical providers except for GP’s consultations and conservative dentistry where cover is generally unlimited and no benefits carry forward to the next year.

View our latest 2021 plan updates below.

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5 Comprehensive Plans Compared2021 Comparisons Made Easy!

DISCOVERY
CLASSIC COMPREHENSIVE - Comprehensive Plan
MONTHLY CONTRIBUTIONS
Principal Member R 6,309
Spouse/Adult Dependant R 5,966
Per Child (Max 3) R 1,258



IN HOSPITAL BENEFIT
2021 BENEFITS
200% Scheme Rate
No Overall Annual Limit
Network Hospitals to be used.
Certain procedure only covered at Network Day Clinics.
Annual Sub-limits per person:
Psychiatric Treatment
21 days
Compassionate Care

R 71,150
Oncology R 400 000 thereafter 20% co-payment.
Specialised Medicine & Technology
R 200,000
Internal Prostheses: See detailed benefit schedule.
CHRONIC MEDICATION
100% Scheme Rate
27 PMB Chronic Disease Conditions.
Subject to scheme formulary.
(Additional 23 Chronic Disease Conditions)
ANNUAL DAY TO DAY BENEFIT
(including Savings)
100% Scheme Rate
Limits per annum:
Member R 18,390
Member + Spouse R 35,784
Member + Spouse + Child 1 R 39,450
Member + Spouse + Child 2 R 43,116
Member + Spouse + Child 3 R 46,782
Member + Child 1 R 22,056
Member + Child 2 R 25,722
Member + Child 3 R 29,388


Day-to-day Extender Benefit


ANNUAL THRESHOLD
Principal Member R 21,700
Spouse/Adult Dependant R 21,700
Per Child R 4,150
DISCOVERY
CLASSIC DELTA COMPREHENSIVE - Comprehensive Plan
MONTHLY CONTRIBUTIONS
Principal Member R 5,681
Spouse/Adult Dependant R 5,378
Per Child (Max 3) R 1,132



IN HOSPITAL BENEFIT
2021 BENEFITS
200% Scheme Rate
No Overall Annual Limit
Network Hospitals to be used.
Certain procedure only covered at Network Day Clinics.
Annual Sub-limits per person:
Psychiatric Treatment
21 days
Compassionate Care

R 71,150
Oncology R 400 000 thereafter 20% co-payment.
Specialised Medicine & Technology
R 200,000
Internal Prostheses: See detailed benefit schedule.
CHRONIC MEDICATION
100% Scheme Rate
27 PMB Chronic Disease Conditions.
Subject to scheme formulary.
(Additional 23 Chronic Disease Conditions)
ANNUAL DAY TO DAY BENEFIT
(including Savings)
100% Scheme Rate
Limits per annum:
Member R 16,560
Member + Spouse R 32,238
Member + Spouse + Child 1 R 35,538
Member + Spouse + Child 2 R 38,838
Member + Spouse + Child 3 R 42,138
Member + Child 1 R 19,860
Member + Child 2 R 23,160
Member + Child 3 R 26,460


Day-to-day Extender Benefit


ANNUAL THRESHOLD
Principal Member R 21,700
Spouse/Adult Dependant R 21,700
Per Child R 4,150
DISCOVERY
CLASSIC PRIORITY - Comprehensive Plan
MONTHLY CONTRIBUTIONS
Principal Member R 4,041
Spouse/Adult Dependant R 3,186
Per Child (Max 3) R 1,617



IN HOSPITAL BENEFIT
2021 BENEFITS
200% Scheme Rate
No Overall Annual Limit
Network Hospitals to be used.



Annual Sub-limits per person:
Psychiatric Treatment
21 days
Compassionate Care
R 71,150
Oncology R 200 000 thereafter 20% co-payment.
Internal Prostheses: See detailed benefit schedule.



CHRONIC MEDICATION
100% Scheme Rate
27 PMB Chronic Disease Conditions.
Subject to scheme formulary.

ANNUAL DAY TO DAY BENEFIT
(including Savings)
100% Scheme Rate
Limits per annum:
Member R 11,778
Member + Spouse R 21,066
Member + Spouse + Child 1 R 25,776
Member + Spouse + Child 2 R 30,486
Member + Spouse + Child 3 R 35,196
Member + Child 1 R 16,488
Member + Child 2 R 21,198
Member + Child 3 R 25,908



Day-to-day Extender Benefit


ANNUAL THRESHOLD
Principal Member R 17,550
Spouse/Adult Dependant R 13,200
Per Child R 5,850
FEDHEALTH
FLEXIFED 4 ANY - Hospital Plan/Day to Day Cover
MONTHLY CONTRIBUTIONS
Principal Member R 3,747
Spouse/Adult Dependant R 3,399
Per Child (Max 3) R 1,153



IN HOSPITAL BENEFIT
2021 BENEFITS
100% Scheme Rate
No Overall Annual Limit
Co-payments are due for certain procedures
(eg: R2 600 for Arthroscopy)
*30 days Post Hospital Cover
*7 days Take Home Medicine
*Emergency Trauma at Out Patients
Psychiatric Treatment
R 2,700
Hospice Care
R 33,300
Oncology (only at DSP)
R 480,400
Internal Prosthesis
R 26,900
CHRONIC MEDICATION
100% Scheme Rate
43 Chronic Disease Conditions.
Subject to Intermediate Scheme formulary.
Only from Medi-Rite, Clicks, Dis-Chem &
Pharmacy Direct.



ANNUAL DAY TO DAY BENEFIT
(including Savings)
100% Scheme Rate
Member
R 324
Spouse
R 288
Per Child (Max 3)
R 96
MediVault Savings amounts are not pro-rated and can be
transferred to your Wallet at any time and paid back
interest-free over a period of 12 months:
Total Annual Day-to-day Limits:
Member R 15,024
Member + 1 R 27,312
Member + 2 R 31,008
Member + 2 + R 34,704
Unlimited Network GP Benefit


ANNUAL THRESHOLD
Member
R 14,700
Member + 1
R 26,700
Member + 2
R 30,300
Member + 2 +
R 33,900
FEDHEALTH
MAXIMA EXEC - Comprehensive Plan
MONTHLY CONTRIBUTIONS
Principal Member R 6,816
Spouse/Adult Dependant R 5,917
Per Child (Max 3) R 2,168



IN HOSPITAL BENEFIT
2021 BENEFITS
200% Scheme Rate
No Overall Annual Limit
Co-payments are due for certain procedures
(eg: R2 600 for Arthroscopy)
*30 days Post Hospital Cover
*7 days Take Home Medicine
*Emergency Trauma at Out Patients
Psychiatric Treatment
R 34,500
Hospice Care
R 33,300
Oncology (only at DSP)
R 600,600
Internal Prosthesis
R 31,500
CHRONIC MEDICATION
100% Scheme Rate
51 Chronic Disease Conditions.
Subject to Intermediate Scheme formulary.
Only from Medi-Rite, Clicks, Dis-Chem & Pharmacy Direct
Single
R 7,600
Per Family
R 14,000
ANNUAL DAY TO DAY BENEFIT
(including Savings)
100% Scheme Rate
Limites per annum:
Member R 10,560
Member + Spouse R 19,728
Member + Spouse + Child 1 R 23,076
Member + Spouse + Child 2 R 26,424
Member + Spouse + Child 3 R 29,772
Member + Child 1 R 13,908
Member + Child 2 R 17,256
Member + Child 3 R 20,604


Unlimited Network GP Benefit






ANNUAL THRESHOLD
Principal Member
R 14,800
Spouse/Adult Dependant
R 11,400
Per Child (max 3)
R 3,800



As additional Comprehensive Medical Aid Plan comparisons are made available we will continue to update this page in our effort to provide our clients with the most up to date information and advice on the medical aid industry in South Africa. If you are still deciding which plan type is best suited to your situation, why not take a look at the Medical Aid Plans page to see the full range of plans.

For more detailed information on any of the above Comprehensive Medical Aid Plan comparisons simply contact us. If you already know what you want, why not make use of our site to download the relevant Medical Aid Application form and then fax it back to us on 0866 200 320 . Alternatively, if you would like us to confirm some of the finer details and pricing just fill in our free Medical Aid Quote Request form and we will get back to you promptly.

Finally, we invite you to contact us on +27 21 712 8866 at any point in your decision making process for further information on these Comprhensive Medical Aid Plan comparisons.

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